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Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".
Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to ``Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices''.
Summary
This joint resolution disapproves a rule by the Bureau of Consumer Financial Protection that withdrew guidance restricting improper overdraft opt-in practices. The original guidance, issued as Consumer Financial Protection Circular 2024-05 in October 2024, addressed how banks handle overdraft opt-in practices. The CFPB withdrew this guidance in May 2025. If passed, this resolution would invalidate the CFPB's withdrawal and reinstate the guidance on overdraft opt-in practices.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
Actions (2)
- Apr 30, 2026 Referred to the House Committee on Financial Services. · house
- Apr 30, 2026 Introduced in House
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Full text
IN THE HOUSE OF REPRESENTATIVES
April 30, 2026
Ms. Velazquez submitted the following joint resolution; which was referred to the Committee on Financial Services
JOINT RESOLUTION
Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to “Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices”.
Resolved by the Senate and House of Representatives of the United States of America in Congress assembled, That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to “Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices (89 Fed. Reg. 80075 (October 2, 2024))” (90 Fed. Reg. 20084 (May 12, 2025)), and such rule shall have no force or effect. <all>
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